You know insurance is all about peace of mind. And it should be flexible to cover exactly what you want to protect.

So what makes mutual insurance different?

Mutual insurance began in Ontario in 1856 with a simple idea: people coming together to protect themselves in a common need. That principle still stands today.

Today, Ontario Mutuals are made up of a network of more than 40 independent insurance companies in hometowns across Ontario.

When you buy insurance at one of these companies, you’re more than a policyholder — you’re also an owner. You’re insured with an independent, 100% Canadian company. A company that is deeply rooted in your community. A company with generations of experience.

Premiums stay where they belong – in your community.

Did you know that every year, if there is any excess premium, that money can be returned to policyholders? Or reinvested in community works? Or put aside for future needs?

Your local Mutual’s board of directors decides. Those directors are other policyholders just like you, elected by you. So you can be sure policyholders’ interests come first.

We’re people centred, not call centred.

You don’t buy Ontario Mutuals insurance online. You don’t buy it through a call centre.

Instead you talk to a real live person right in your community. Someone who wants to get to know you and what you need. Someone you may already know because we work where you live.